Some of you may remember a thread I started a few weeks back regarding flea issues in my pup and the fact treatment didn't seem to be working. This is kind of building on that but different so I started a new thread. I wasn't sure if this is the right place to put insurance issues but I couldn't find anywhere else that would be more suitable.
I recently filed an insurance claim for when our pup chewed himself up after getting fleas and for treatment since then. We have now been told George has pruritus and he may have ongoing skin issues for life. The flea incident may have triggered the beginning but he is now itching and chewing himself virtually constantly. We believe the fleas are gone for the most part. When we comb him there is no flea dirt on him, ever and we haven't seen fleas for some time, but he keeps chewing and itching himself.
Anyway, so we filed with the insurance a claim for pruritus and the claim was rejected based on it being a "pre-existing condition". This confused the hell out of me, he has been insured since his first check up at 8 weeks and never had skin issues until lately. So I inquired as to how on earth this is pre-existing when he has been covered his whole life. They replied saying at his first ever check up the vet made a note he had some dry skin. This, apparently, is evidence that he had a history of itchiness, which is a symptom of pruritus and as such it is a pre-existing condition which is not covered by my insurance.
Suffice it to say I'm in shock and p***ed off. Pruritus has never even been on the radar up until recently and to claim he has a history of it based on the vet noting he had some dry skin in his first check up is absurd. Never has the vet even mentioned pruritus to us, the insurance company is the one that have labelled it. I know insurance companies like to wiggle out of paying out claims and I don't even care that much about this one claim, but I believe this now implies I can never claim on insurance for anything relating to skin issues that could be a symptom of pruritus, which with our breed of dog (Westie) is a huge issue, they have a history of skin issues and we could be facing years of it.
Has anyone had to fight an insurance company to pay out? I don't believe having dry skin implies a pre-existing condition or pruritus but if they say it's a symptom I don't really know what I can do.
In terms of going forward, is moving insurance company an option or will they all claim he has a pre existing condition now and we're basically screwed? I can't really believe the power of that first check up. I wouldn't mind if the vet had said to us he has skin issues and likely pruritus or something but he merely made a passing statement he has dry skin. No treatment has ever been given or recommended for it.